Intermediate Underwriter, Personal Lines Property and Casualty

**About Portage Mutual**: Where Your Talent Makes a Difference
Imagine a workplace where your contributions are not only valued but also directly impact the lives of Canadians. At Portage Mutual Insurance, we’re more than just a trusted national property and casualty insurer—we’re a community of passionate individuals dedicated to serving our policyholders since 1884. Owned by our policyholders, we proudly offer competitive home, auto, commercial, and farm insurance products 100% through our broker network across Canada. Join a company rooted in tradition, driven by innovation, and powered by a people-first culture.
Why Portage Mutual?
At Portage Mutual, we believe that our people are our greatest asset. Here, you’ll find:

- Total Rewards: We care about your well-being and financial security. That’s why we offer a competitive salary, incentive plan, comprehensive health benefits, a pension plan and generous paid time off, including personal days.
- Career Growth & Development: Propel your career forward with access to diverse learning resources, tuition reimbursement for relevant programs, and bonuses recognizing your achievements in pursuing insurance designations.
- Flexibility: We support work-life integration by offering a flexible environment where you can choose to live wherever you prefer in Canada. Enjoy the freedom to select remote, in-office, and hybrid work arrangements that best suit your lifestyle.
- Inclusivity and Belonging: Be a part of a supportive and diverse team that embraces your unique perspective and empowers you to succeed. We’re dedicated to creating a workplace where every employee feels welcomed, valued and respected.
- Making a Difference: Find purpose in your career by aligning with an organization that shares your values and is committed to making a difference in the communities we serve.

**The Opportunity**:
As an Intermediate Underwriter, you’ll play a crucial role in supporting our underwriting team by:

- Evaluating and underwriting moderately complex, high-value property and casualty insurance risks in line with company guidelines and risk appetite.
- Conducting strategic risk assessments and leveraging market research to inform underwriting decisions.
- Building and maintain strong relationships with brokers and internal stakeholders to support business development.
- Mentoring junior underwriters and providing expert guidance to support team capability and consistency.
- Representing the company at industry events and ensuring underwriting practices stay aligned with evolving regulations and market trends.

We're looking for a detail-oriented, enthusiastic team player who embodies our company values and is committed to providing top-notch service.
This is a hybrid, in office role 2-3 days per week in Bedford, Nova Scotia.
**What You’ll Do**:

- Evaluate and underwrite new and existing business, renewals and endorsements, focusing on moderately complex and high-value property and casualty insurance risks.
- Uphold the quality and profitability of the program’s portfolio by adhering to underwriting standards and referring risks beyond delegated authority to supervisory levels.
- Work in partnership with other departments to identify key trends and provide strategic recommendations. Aim to achieve positive outcomes for clients, brokers, and the company.
- Demonstrate our commitment to effective risk management by following up on outstanding recommendations and ensuring their implementation.
- Analyze large loss events, provide detailed reports, and discuss remediation strategies to mitigate future risks.
- Engage in market research to identify emerging trends, enabling the development of innovative product offerings.
- Identify potential issues in loss ratios and risk trends. Implement effective strategies to address anomalies and ensure portfolio stability.
- Guide and support junior underwriters, enhancing their technical expertise and decision-making capabilities.
- Effectively communicate and clarify underwriting business rules and guidelines to brokers, ensuring a shared understanding and adherence to established standards.
- Address inquiries and provide prompt, clear responses to brokers through both verbal and written channels, facilitating effective and efficient communication.
- Deliver a superior broker experience characterized by confidence, responsibility, and professionalism, reinforcing the company's reputation for excellence in the industry.
- Stay current with industry trends, emerging developments, and regulatory changes to ensure underwriting practices remain compliant and competitive.

**What You’ll Bring**:

- Minimum of 3-5 years of progressive underwriting experience within property and casualty insurance sectors.
- Strong understanding of risk analysis, pricing strategies, and product development across key segments such as property and casualty insurance.
- In-depth knowledge of risk selection methodologies, insurance contracts, rating models, and